Car loans

Buying a car is one of the most important purchases you are likely to make, therefore it's worth doing your research. AA Cars can help, with 1000's of listed vehicles which all come with a free car history check so you can buy with confidence. Once you've chosen your perfect car, a low rate loan from the AA could help get you on the road.

Free AA Breakdown Cover for a year*

Every AA Loan comes with twelve months' free AA Breakdown Cover, so should your car break down at the roadside, we'll be there for you, 24/7.

If you're an AA Member already you can enjoy a half price upgrade to your existing AA Breakdown Cover. Choose from Home Start, Relay or Stay Mobile.

An AA Loan could offer you

• A Moneyfacts 'best buy' low rate of 4.3% APR representative for loans between £7,500 and £15,000 over 18 months to 5 years
• Other rates and loan amounts available from £1,000 to £25,000
• option to sign online to get your funds sooner
• no arrangement fee

By applying for this loan Creation Consumer Finance could offer you an alternative loan should you be unsuccessful for an AA Loan. There will be no additional checks on your credit rating as a result of this offer.

If you need help with your application or want to speak to someone about AA Loans please call 0800 096 8485.

Other loan amounts

Our loan amounts range from £1,000 to £25,000. Use our loans calculator to find out more

Lending criteria

Before applying for a loan, please make sure the below are true:

• you are aged between 23 and 70 at date of application
• you have a minimum income of £12,000 (gross) per annum
• you have a bank/building society current account from which you can pay direct debits
• you do not have a history of bad credit such as County Court Judgments (CCJs) or bankruptcy
• you have been a permanent UK resident for at least 3 years

APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed. This is because each loan application is assessed on an individual basis and on a number of factors including the information you have provided in your application and data we obtain from credit reference agencies.

AA Loans are provided by Creation Consumer Finance Limited. AA Financial Services Limited acts exclusively in relation to loans as a credit intermediary for Creation Consumer Finance Limited. Registered Office: 6th Floor, Royston House, 34 Upper Queen Street, Belfast BT1 6FD. Registered in Northern Ireland NI32565. Correspondence address: Chadwick House, Blenheim Court, Solihull B91 2AA.

* Free 12 months Roadside Vehicle Breakdown Cover and 50% discount on a Breakdown Cover upgrade offers are only available to AA customers who have been accepted for a new AA Loan and had their loan funds paid to them.

To receive the free 12 months Roadside Vehicle Breakdown Cover you must set up an annually recurring transaction arrangement using your credit or debit card for the Breakdown Cover and it will be renewed automatically after 12 months as long as you choose not to amend or cancel. 50% discount on a Breakdown Cover upgrade is available for the remaining months of your current policy. Offer excludes bank account breakdown policies and excludes upgrades to BRC. If you already have a Breakdown policy with all cover options you are not eligible for the discount on upgrades offer.

For both offers, an email with instructions of how to activate the free breakdown cover or 50% discount on upgrades will be sent within 28 days of the AA Loan funds being paid to you. Offers do not form part of your loan credit agreement. Offers are not available in conjunction with any other offer or in a breakdown situation.

Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 311518). The status can be checked on the Financial Conduct Authority's website or by calling 0800 111 6768

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